United Trust Bank (UTB) has appointed Andrew Ferguson to the new role of Commercial Director of its recently merged Mortgages, Buy-to-Let (BTL) & Bridging division.
Andrew is a highly experienced and well-respected property finance professional with a career in banking spanning 35 years. He has performed senior roles with a range of specialist lenders including Foundation Home Loans, Axis Bank and most recently as Managing Director – BTL at West One Loans.
In his new role at UTB, Andrew will report to Buster Tolfree, Managing Director – Mortgages, BTL & Bridging, overseeing the Mortgages, BTL & Bridging Sales teams as well as working to help drive growth alongside the many improvements and transformative plans in place for 2026.
Key areas for the Banks growth in 2026 include further expansion into the residential mortgage market, building out the Bank’s complex BTL offering as well as identifying opportunities to develop UTB’s long-established bridging proposition. The Bank is specifically aiming to grow its presence in the non-regulated bridging market and exploit opportunities to drive growth in business exiting refurbishment loans to BTL mortgages.
Taking up his new role at United Trust Bank, Andrew Ferguson said: “I am delighted to join such a well-respected business and look forward to working with the team to further evolve the proposition across buy to let, bridging and mortgages. UTB is well placed to grow in these markets and has great people who are passionate about specialist lending and ensuring we look after our customers and intermediary partners. 2026 will be an exciting year for UTB and I’m delighted to be a part of the journey.”
Buster Tolfree, Managing Director – Mortgages, BTL & Bridging – United Trust Bank, said: “Andrew brings a wealth of experience to our Senior Leadership Team, gained from a stellar career in specialist lending. I am excited about the opportunities which lie ahead for UTB in Mortgages, BTL & Bridging and Andrew is going to play a pivotal role in helping us to drive business growth in those markets. Bring on 2026!”
